Abstract: An authentication method includes receiving a single electronic file of member data elements from multiple member data sources. The method can include extracting the member data elements from the single electronic file, populating an authentication database with the member data elements, and periodically receiving an update of the member data elements. The update can be used to refresh the authentication database. The method can include receiving non-member data elements from multiple non-member data sources, and updating the authentication database with the non-member data elements. The method can further include receiving a request for authentication for one or more queried data elements corresponding to a supplied identification data element. The method can include determining an authentication response for each of the queried data elements based on the authentication database.

Abstract: An authentication method includes receiving a single electronic file of member data elements from multiple member data sources. The method can include extracting the member data elements from the single electronic file, populating an authentication database with the member data elements, and periodically receiving an update of the member data elements. The update can be used to refresh the authentication database. The method can include receiving non-member data elements from multiple non-member data sources, and updating the authentication database with the non-member data elements. The method can further include receiving a request for authentication for one or more queried data elements corresponding to a supplied identification data element. The method can include determining an authentication response for each of the queried data elements based on the authentication database.

Abstract: Methods, systems, and machine-readable media are disclosed for an identity verification switch. According to one embodiment, the method comprises receiving from an inquirer a request to verify an identity of an individual initiating a transaction. The request includes account information for an account subject to the transaction and identity information for the individual initiating the transaction. Based on the request, a verifying financial institution is selected from one or more participating financial institutions. The request is forwarded to the verifying financial institution for verification of the identity information. An answer is received from the verifying financial institution indicating results of verification of the identity information. The answer is returned to the inquirer.

Abstract: Methods, systems, and machine-readable media are disclosed for an identity verification switch. According to one embodiment, the method comprises receiving from an inquirer a request to verify an identity of an individual initiating a transaction. The request includes account information for an account subject to the transaction and identity information for the individual initiating the transaction. Based on the request, a verifying financial institution is selected from one or more participating financial institutions. The request is forwarded to the verifying financial institution for verification of the identity information. An answer is received from the verifying financial institution indicating results of verification of the identity information. The answer is returned to the inquirer.

Abstract: Systems, methods, and databases for authenticating negotiable instruments comprise receiving, at an authentication system, a plurality of data values associated with a negotiable instrument, the plurality of data values including an image security feature and an account. The method further comprises obtaining account decoding information from an account verification databases, the account verification database including decoding information for each of a plurality of financial institutions; decoding the image security feature using the account decoding information; obtaining one or more verification values from the decoded image security feature; comparing each of the verification values to a corresponding one of the data values; and transmitting a result communication indicating a result of the comparison.

Abstract: Methods, systems, and machine-readable media are disclosed for an identity verification switch. According to one embodiment, the method comprises receiving from an inquirer a request to verify an identity of an individual initiating a transaction. The request includes account information for an account subject to the transaction and identity information for the individual initiating the transaction. Based on the request, a verifying financial institution is selected from one or more participating financial institutions. The request is forwarded to the verifying financial institution for verification of the identity information. An answer is received from the verifying financial institution indicating results of verification of the identity information. The answer is returned to the inquirer.

Abstract: Systems, methods, and databases are disclosed for authenticating negotiable instruments. In one embodiment, the method comprises receiving, at an authentication system, a plurality of data values associated with a negotiable instrument, the plurality of data values including an image security feature and an account. The method further comprises obtaining account decoding information from an account verification databases, the account verification database including decoding information for each of a plurality of financial institutions; decoding the image security feature using the account decoding information; obtaining one or more verification values from the decoded image security feature; comparing each of the verification values to a corresponding one of the data values; and transmitting a result communication indicating a result of the comparison.

Abstract: A method of populating an account-owner verification database includes collecting participant data elements from one or more participant institutions. The participant data elements are associated with one or more participant accounts in the participant institutions, and each participant data element also corresponds to a data element field in the database. Non-participant data elements are collected from one or more non-participant institutions. The non-participant data elements are associated with one or more non-participant accounts in the non-participant institutions, and each non-participant data element also corresponds to one of the data element fields in the database. The data element fields of the account verification database are populated with the collected participant and non-participant data elements.